Warning signs your identity may be compromised
Loan or credit card enquiries you did not initiate. Accounts on your CIBIL report from lenders you've never dealt with. SMS confirmations for loans you didn't apply for. Rejection of your own loan application citing 'high existing exposure' when you know your obligations are limited.
How fraudsters build a synthetic profile
A leaked PAN + Aadhaar + a stolen selfie is often enough to complete a fully digital KYC on many fintech lenders. Loans are drawn in your name and disbursed to the fraudster's account. You only discover it when the collection calls start — or when your CIBIL crashes.
Recovery playbook
Step 1: File a cybercrime FIR on cybercrime.gov.in and get an acknowledgement number. Step 2: Freeze your CIBIL via a written request with FIR copy — this blocks all new enquiries. Step 3: File individual disputes for each fraudulent account with the lender and bureau simultaneously, attaching the FIR. Step 4: Follow the RBI's 'zero liability for fraud' framework to reverse the loans and clean the report.
This is one of our specialist areas — most cases are fully cleaned within 90–120 days.
